[Remote] Software Engineer, PL Applicant Experience

Other Jobs To Apply

Note: The job is a remote job and is open to candidates in USA. Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The Software Engineer on the PL Applicant Experience team will design and build borrower-facing flows, reduce operational touchpoints, and enhance the borrower journey through collaboration with cross-functional teams.


Responsibilities

  • Build and own borrower-facing verification flows end-to-end across frontend and backend.
  • Minimize fraud losses to Upstart through better data and ML models
  • Drive automation to reduce manual reviews, strengthen fraud defenses, and improve borrower satisfaction.
  • Improve UI experience for operations teams and applicants
  • Collaborate with ML and data teams to enable dynamic repricing, risk insights, and continuous decisioning.
  • Design scalable services in a distributed service architecture.

Skills

  • 4+ years of experience developing full-stack web applications professionally.
  • Proficiency in Kotlin or Ruby on Rails, plus familiarity with at least one additional programming language.
  • Experience with React, TypeScript, Spring Boot, PostgreSQL, Databricks, AWS, or event-driven architecture.
  • Solid grasp of software development principles and best practices for building scalable, maintainable systems.
  • Proven ability to analyze and solve complex technical problems effectively.
  • Knowledge of KYC/verification vendors (Socure, Plaid, OCR) and integrating sensitive data services.
  • Strong sense of ownership and accountability for delivering high-quality features on time.
  • Ability to thrive in both independent and collaborative settings, contributing positively to team dynamics.
  • Demonstrated ability to take and incorporate feedback, with a continuous improvement mindset.

Benefits

  • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
  • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
  • Employee Stock Purchase Plan (ESPP)
  • Life and disability insurance
  • Generous holiday, vacation, sick and safety leave
  • Supportive parental, family care, and military leave programs
  • Annual wellness, technology & ergonomic reimbursement programs
  • Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
  • Catered lunches + snacks & drinks when working in offices

Company Overview

  • Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. It was founded in 2012, and is headquartered in San Mateo, California, USA, with a workforce of 1001-5000 employees. Its website is https://upstart.com/about.

    • Company H1B Sponsorship

  • Upstart has a track record of offering H1B sponsorships, with 48 in 2025, 70 in 2024, 85 in 2023, 85 in 2022, 42 in 2021, 15 in 2020. Please note that this does not guarantee sponsorship for this specific role.

    • Back to blog

    Common Interview Questions And Answers

    1. HOW DO YOU PLAN YOUR DAY?

    This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

    2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

    When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

    3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

    Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

    4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

    With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

    5. HOW DO YOU PROCESS INFORMATION?

    Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

    6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

    Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

    7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

    Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

    8. HOW TO PRIORITIZE WORK?

    The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

    9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

    Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

    10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

    This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...

    Data Entry Question and Answer

    $150 $49

    Remote Question and Answer

    $150 $49

    Virtual Assistant Question and Answer

    $150 $49

    Content Moderator Question and Answer

    $150 $49

    Customer Service Question and Answer

    $150 $49

    Video Game Tester Question and Answer

    $150 $49

    Related Posts